Coverage
Who does Francy help?
Francy works with individuals and families, self-employed people and entrepreneurs, and small business owners — anyone who wants personalized guidance finding health coverage that fits.
Tailored Coverage for Every Stage of Life
Who Francy helps
Health insurance made simple and personalized. Francy listens closely to find private plans that fit your unique needs.
Three audiences
Individuals & families · Self-employed · Small business owners.
Three ways Francy can help
Coverage built around your situation, not a template
Whether you’re covering a family, going out on your own, or running a small business, the right plan depends on your doctors, your budget, and your life — not on a one-size-fits-all policy. Start with the audience that sounds like you.
Individuals & Families
Personalized guidance to help you and your family find coverage designed around your needs, priorities, and budget — not a one-size-fits-all policy.
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Self-Employed & Entrepreneurs
For freelancers, consultants, contractors, and independent professionals — a plan that comes with freedom and is built around your personal and professional needs.
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Small Business Owners
Running a small business means wearing a lot of hats. Whether you’re looking for yourself, your family, your employees, or a combination — get personalized guidance to compare plans and decide with confidence.
Learn moreKnow your options
Private plans, the Marketplace, or COBRA?
Most people are choosing between three paths. Here’s what each one really means, in plain language.
Francy’s focus
Private PPO plans
Broader networks and no referral needed to see a specialist. The flexibility most families and self-employed people want most — and often a better fit when you don’t qualify for a subsidy.
Subsidized by income
The Marketplace
healthcare.gov ACA plans that can be subsidized based on income. A strong option when you qualify for a premium tax credit — worth checking before you commit anywhere.
Usually the most expensive
COBRA
Keeps your employer plan, but you pay the full premium plus a fee. Francy frequently finds private PPO alternatives that cost less and cover more.
The rule of thumb Francy uses: if you don’t qualify for a subsidy, a private plan often gives you more flexibility for the same or lower cost. She runs the real comparison for your situation — you don’t have to guess.
Why people work with Francy
A real person, not a call center
Listen first
Your situation and budget come before any plan is mentioned.
Honest comparison
Options laid out side by side in plain language — no fine-print surprises.
No pressure, ever
You decide what fits, on your timeline. Francy never pushes.
A long-term resource
Support that lasts past enrollment as your life changes.